Calculator

Estate Maximizer Next Generation

Compare the death benefit available through the Liberty Series Next Generation Estate Maximizer® single payment life insurance product to the account value growth of a taxable and tax-deferred investment

A single payment is taxed differently based on the investment or insurance vehicle. The calculator is intended to display the following three growth scenarios for a single payment:
  1. The account value of a taxable account
  2. The account value of a tax-deferred account
  3. The Liberty Series Estate Maximizer Next Generation death benefit
It is important to remember that earnings in a taxable product are taxed every year and earnings in a tax-deferred product are not taxed until withdrawn. The death benefit of the Estate Maximizer Next Generation life insurance product passes income tax free to named beneficiaries, under current tax law.
Customer Information
Age [Ages 50-85]  
Gender [Select Male if in Montana]  
Single Payment And Assumptions
Single Payment ($)  
Number of years to display (max 20)  
Before-tax return on taxable product (%) help
Before-tax return on tax-deferred product (%)  
Marginal tax bracket (%) help
   
Insurance And Annuity Products: Not A Deposit – Not FDIC Insured – Not Insured By Any Federal Government Agency Or NCUA/NCUSIF – Not Guaranteed By Any Bank Or Credit Union – May Go Down In Value – Not A Condition Of Any Banking Activity

The bank's affiliated licensed insurance agency offers life insurance products underwritten by Liberty Life Assurance Company of Boston.

Liberty Life Assurance Company of Boston, a Liberty Mutual company, issues Liberty Series Estate Maximizer Next Generation, a single payment interest-sensitive whole life insurance contract, on policy forms SPWL-2010157, ICC10-SPWL-2010157 as applicable (SPWL-2010157 NY in New York) and state variations identified by state code. Contract availability, terms, conditions and issue limitations may vary by state.

Home office: Boston, Mass. Service center: Dover, N.H.

The results and explanations generated by this calculator may vary due to user input and assumptions. Liberty Life Assurance Company of Boston does not guarantee the accuracy of the calculators, results, explanations, nor applicability to your specific situation. We recommend that you use this calculator as a guideline only and you ultimately seek the guidance of an experienced professional. Rates shown are for illustrative purposes only and are not guarantees or estimates of future rates that could be payable. All applicants are subject to eligibility requirements. Like any other asset, the value of life insurance will be included in your estate for estate tax purposes under current federal tax law but generally will not be subject to income tax upon your death. For further information, please contact a tax advisor. Any guarantees are based on the claims paying ability of the issuing insurance company.

© 2017 Liberty Mutual Insurance
BNK 2012334 7/17

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